2004 Honda Insight Car Insurance Quotes

Did you come to the realization that you have high-priced auto insurance? Trust us, many drivers feel the same as you. There are many insurers to buy insurance from, and even though it’s nice to have a selection, it makes it harder to find the best rates.

It is always a good idea to compare prices before your policy renews because prices are variable and change quite frequently. Just because you found the best deal on Insight insurance six months ago a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to find out the quickest way to lower your rates without sacrificing coverage.

Save a ton with these discounts

Auto insurance is neither fun to buy or cheap, but there may be some discounts that you may not even be aware of. Many discounts should be triggered when you quote, but a few must be specifically requested prior to receiving the credit.

• Defensive Driver Discount – Taking a course that instructs on driving safety may get you a small discount depending on where you live.
• Good Student – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
• Telematics Data – Drivers who elect to allow data collection to monitor where and when they drive by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if their driving habits are good.
• Drive Safe and Save – Accident-free drivers may save up to 50% more on Insight insurance than drivers with accident claims.
• Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
• No Charge for an Accident – This isn’t a discount exactly, but companies like Allstate, Progressive, and Geico will let one accident slide without raising rates if your claims history is clear for a certain period of time.
• Membership in Organizations – Participating in a civic or occupational organization is a good way to get lower rates on auto insurance.
• Life Insurance – Auto insurance companies who offer life insurance give a lower auto insurance rate if you buy a life insurance policy as well.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply the the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Popular auto insurance companies and some of the premium reductions they offer are shown below.

• Geico has discounts for multi-policy, emergency military deployment, driver training, multi-vehicle, anti-theft, defensive driver, and federal employee.
• Travelers may have discounts that include IntelliDrive, payment discounts, home ownership, hybrid/electric vehicle, save driver, and good student.
• Nationwide offers discounts including multi-policy, good student, anti-theft, accident-free, business or organization, Farm Bureau membership, and easy pay.
• Farmers Insurance includes discounts for teen driver, electronic funds transfer, early shopping, business and professional, good student, and homeowner.
• Esurance offers discounts for good driver, Switch & Save, homeowner, emergency road assistance, multi-policy, renters, and DriveSense.
• State Farm may include discounts for passive restraint, Drive Safe & Save, good driver, good student, safe vehicle, and multiple autos.
• Progressive policyholders can earn discounts including online quote discount, multi-policy, good student, homeowner, and continuous coverage.
• Mercury Insurance may offer discounts for good driver, accident-free, professional/association, type of vehicle, ease of repair, and location of vehicle.

If you want the cheapest insurance quotes, ask each company what discounts are available to you. Some of the discounts discussed earlier may not be available in every state. To find insurance companies with significant discounts, click here to view.

Compare quotes for auto insurance

Finding a lower price on 2004 Honda Insight insurance is actually quite simple. You just have to take a few minutes to compare free insurance quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

1. The most efficient way to get the best comparison quotes is a comparison rater form click to view form in new window. This easy form saves time by eliminating separate forms for every company. In just a few minutes this one form gets prices estimates from multiple low-cost companies.
2. A slightly less efficient method to get comparison quotes requires a trip to each company’s website to complete their respective quote request forms. For examples sake, let’s assume you want comparison quotes from USAA, Liberty Mutual and State Farm. In order to get each rate, you would have to visit each site and punch in your information repeatedly, which is why the first method is more popular.

   To view a list of companies in your area, click here.

3. If you have time to kill, the last way to comparison shop is actually driving to insurance agencies in your area. Quoting online eliminates the middleman unless your situation requires the peace of mind that only an agent can give. It is possible to comparison shop online but purchase the actual policy in an agency.

It doesn’t matter which method you choose, just make sure you are using the exact same quote data for each comparison quote. If the quotes have mixed coverages it’s not possible to determine which rate is truly the best.

You can change your insurance premiums

The best way to find cheaper insurance is to take a look at some of the factors that come into play when calculating your insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that could help you find better insurance rates. Many things are part of the calculation when you quote your car insurance policy. Some are obvious such as your driving record, but some are less apparent like your vehicle usage or your financial responsibility.

• Buy a safe car and pay less – Vehicles with good safety scores tend to be cheaper to insure. Vehicles engineered for safety protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates. If your Honda is rated at least four stars on Safercar.gov it may cost less to insure.
• High coverage deductibles reduce costs – Your deductibles state the amount of money you are willing to pay if the claim is covered. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply would be collision with another vehicle, collision with a deer, or theft of your vehicle. The more money you’re willing to pay, the lower your rates will be on Insight insurance.
• Gender and insurance coverage – Statistics have proven women tend to be less risk to insure than men. This data doesn’t prove that females are better drivers. Females and males get in at-fault accidents at a similar rate, but the men tend to have more serious accidents. Not only that, but men also get cited for more serious violations like reckless driving and DUI. Male teenagers are most likely to cause an accident and are penalized with high insurance rates.
• Amount of liability – The liability coverage on your policy provides coverage if you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court to defend your case. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should carry high limits.

Car insurance can be complex

When choosing coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions could help you determine whether your personal situation may require specific advice.

• I have good health insurance, so how much medical payments coverage do I need?
• Is my business laptop covered if it gets stolen from my vehicle?
• Which is better, split liability limits or combined limits?
• Does my car insurance cover rental cars?
• Why do I only qualify for high-risk insurance?
• Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Does insurance coverage advertising bend the truth?

Drivers get pounded daily by advertisements that promise big savings by companies like Allstate and Progressive. They all seem to seem to make the promise about how much you will save after switching your coverage to them.

How is it possible that every company can offer drivers better rates? It’s all in the wording.

Many companies have specific criteria for the type of customer that earns them the most money. A good example of a driver they prefer may need to be a mature driver, has never had a policy lapse, and drives a vehicle with a low ISO rating. Anybody who meets those qualifications will qualify for the lowest prices and most likely will save when switching.

Drivers who don’t qualify for these criteria will probably have to pay higher rates which leads to business going elsewhere. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” save that much when switching. That’s the way companies can lure you into getting a quote. Because every company is different, you really need to get as many free insurance quotes as possible. It’s not possible to predict which insurance coverage company will have better prices than you’re paying now.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills like prosthetic devices, chiropractic care and doctor visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your Insight from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, hitting a parking meter, driving through your garage door, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverage

This coverage protects you from damage that occurs to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as medical expenses, repair costs for stationary objects, pain and suffering, court costs and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Be a Smart Shopper

When searching for inexpensive insurance quotes, you should never buy less coverage just to save a little money. There are a lot of situations where someone sacrificed liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

Throughout this article, we presented a lot of ways to reduce 2004 Honda Insight insurance rates online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers could even find that the biggest savings come from a lesser-known regional company. These companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

Cheap 2004 Honda Insight insurance is attainable from both online companies and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies don’t offer rate quotes online and many times these small insurance companies work with local independent agents.

To read more, feel free to browse the following helpful articles:

• Tools for Teen Driving Safety (State Farm)
• Insurance Losses by Make and Model (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)